{
  "canonical_url": "https://lendb.ai/lang/gu/washington",
  "summary": "As of 2026-10-26, LenDb lists 2 loan officers licensed in or based in Washington whose lender pages say they speak Gujarati. The top-ranked are Kesshav Sharma (Wells Fargo Home Mortgage, Bellevue) and Aziz Charania (Loan Factory). Ranking is lender-neutral: a license in WA, branch location, experience and profile completeness. Nobody pays for placement. Languages come only from loan officers' own lender pages, and most lender pages do not list languages. A loan officer missing from this list may still speak it: not listed means not stated, not that they do not speak it.",
  "language": "gu",
  "state": "WA",
  "total": 2,
  "last_verified": "2026-10-26",
  "results": [
    {
      "rank": 1,
      "score": 31,
      "loan_officer": {
        "nmls_id": 2468293,
        "slug": "kesshav-sharma-2468293",
        "full_name": "Kesshav Sharma",
        "canonical_url": "https://lendb.ai/lo/kesshav-sharma-2468293",
        "json_url": "https://lendb.ai/lo/kesshav-sharma-2468293.json",
        "lender": {
          "nmls_id": 399801,
          "name": "Wells Fargo Home Mortgage",
          "slug": "wells-fargo-399801",
          "canonical_url": "https://lendb.ai/lender/wells-fargo-399801",
          "type": "bank"
        },
        "branch": {
          "city": "Bellevue",
          "state": "WA"
        },
        "headshot_url": "https://dynl.mktgcdn.com/p/bOoxmSowq-JOh_GYmnKxuh4BQMgsxARoIz7jDEBnjlw/600x450.jpg",
        "licensed_states": [
          "FL"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": true,
        "languages": [
          "gu",
          "hi",
          "pa"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "jumbo",
          "va"
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2024-12-23",
          "state": "WY"
        },
        "licensed_since": {
          "year": 2024,
          "state": "WY"
        },
        "years_experience": null,
        "lender_profile_url": "https://homeloans.wellsfargo.com/mortgage/wa/bellevue/kesshav",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Gujarati (lender page, verified 2026-10-26)",
        "Office in Bellevue, WA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: December 23, 2024 (Wyoming), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/kesshav-sharma-2468293",
      "license_check": {
        "state": "WA",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-26",
        "source_url": null
      }
    },
    {
      "rank": 2,
      "score": 21.8,
      "loan_officer": {
        "nmls_id": 2727299,
        "slug": "aziz-charania-2727299",
        "full_name": "Aziz Charania",
        "canonical_url": "https://lendb.ai/lo/aziz-charania-2727299",
        "json_url": "https://lendb.ai/lo/aziz-charania-2727299.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "slug": "loan-factory-320841",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": "https://lh3.googleusercontent.com/3AvptDd_Y5rv6woB9phtnZQpNEXZxjUNRB0qvnaNusxXSbq0RRH-k_-vkxjusJDBj9vrNnMYTpxex7QXD98jVA_pyu_kjJzcdh_63A",
        "licensed_states": [
          "FL",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "gu",
          "hi",
          "ur"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-06-18",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/aziz-charania-2727299",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Gujarati (lender page, verified 2026-10-09)",
        "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 18, 2025 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/aziz-charania-2727299",
      "license_check": {
        "state": "WA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.loanfactory.com/mortgage-expert/aziz-charania-2727299"
      }
    }
  ]
}